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Emerging Issues for Credit Unions presented by Diana Dykstra

Emerging Issues for Credit Unions presented by Diana Dykstra. Game Changers. Technology Regulation diverse service channels Payments Demographic shifts S ocial changes T alent. Drivers for Sustainable ROA. Spread O perating expense F ee income Provision for loan loss.

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Emerging Issues for Credit Unions presented by Diana Dykstra

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  1. Emerging Issues for Credit Unionspresented byDiana Dykstra

  2. Game Changers • Technology • Regulation • diverse service channels • Payments • Demographic shifts • Social changes • Talent

  3. Drivers for Sustainable ROA • Spread • Operating expense • Fee income • Provision for loan loss

  4. Traits for Highly SuccessfulCredit Unions • Product leaders/innovative • Highly efficient • Service focused

  5. Risk • Liquidity • Interest Rate • Credit • Transactional • Reputation • Concentration • Compliance • Strategic • Enterprise Risk Management

  6. Consolidation • 6800 credit unions in the United States • 49 percent have less then $20M in assets • 26 percent lost money in Q1 2013 • Of the 26%, 60% of those have less than $50M in assets • 200 credit unions in the United Stated hold 50 percent of the assets

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